【作者】 赵宇；

【导师】 赵朴英；

【作者基本信息】 河北经贸大学 ， 法律， 2011， 硕士

【摘要】 自上个世纪九十年代以来,新的金融产品不断的出现,名目繁多的金融产品开始走入普通老百姓家。金融服务已经不是简单的存取款,而是多种多样的金融产品和服务,比如保险、股票等。与此同时,金融消费者与金融机构地位有着很大的地位差距,金融机构具有雄厚的经济财力,拥有根深叶茂的组织机构和高级专业人才。交易双方不均衡的实力挤压了可谈判的空间：金融机构多利用霸王条款、免责条款免除自己的责任、转嫁自己的风险到消费者身上；消费者对于此类合同的风险一无所知,即使明白其中的风险,也不能公平的和经营者展开协商,只能无奈的接受。“《消费者权益保护法》第十条规定：消费者有权获得公平交易条件,有权拒绝经营者的强制交易。”但是金融机构地位的日趋庞大,导致金融消费者无从选择相对经营者,利益受到侵害的情况比比皆是,对这一弱势群体提供的法律保护力度却相当匮乏。针对这种情况,我们应当改革现在的保护金融消费者的法律法规或者建立新的机构,加强金融消费者的保护。从金融发达国家看,应该把对这类弱势群体的保护提升到立法保护这样一个高度。美国、日本等多个国家已经开始建立金融消费者保护的法律法规和机构的完善。对美国、日本等国家在金融消费者保护方面所进行的种种立法改革和机构设立,本文结合我国金融监管所暴露出来欠缺,建议建立金融消费者保护监管法律法规,为立法提供借鉴。今天,在反思本次金融危机爆发原因时,有一点已被各方所认同：应当加大对金融消费者的保护力度,防止金融危机的再次爆发。全球金融危机中暴露的众多金融消费者利益被侵害的事实使我们意识到,金融产品尤其是金融衍生品的复杂特点使得金融消费者比一般消费者更为弱势,需要专门的立法和建立新的机构予以特别保护。本文共四章,约两万四千字。第一章金融消费者公平交易权保护的理论基础。第一节金融消费者的概念,从传统消费者概念出发,提出了金融消费者概念。第二节分析金融消费者公平交易权,分别从消费者的公平交易权和金融消费者的公平交易权入手,对比了普通消费者的公平交易权与金融消费者公平交易权的不同。第二章主要借鉴了发达国家对金融消费者公平交易权保护的方法。分别介绍了日本、美国、欧盟等国家和地区的法律法规,并总结了对我国的借鉴意义。第三章我国金融消费者公平交易权保护制度的现状及问题。我国至今没有一部保护金融消费者的法律,主要散见于各个法律法规中的条文,但是规定的不明确,不具体,对侵犯金融消费者的公平交易权的现象处罚的不严厉,本章对于我国现行的规定作了总结与评价。第四章我国对金融消费者公平交易权法律保护的完善。通过对我国的法律和监管机构的评述,借鉴国外发达国家的经验,对我国的现在法律的改进提出了一些意见和建议。更多还原

【Abstract】 Since the 20th century,90 years, to constantly push forward financial innovation, a great variety of financial products started to enter the homes of ordinary people. In the form of financial consumer access to money from the bank to a single payment, financial management, financing and investment integration, extended trading. At the same time, the financial position of consumers and financial institutions, inequality is increasingly prominent, and financial institutions with strong economic strength, with large organizations and various professionals. Parties to the transaction does not balance the strength of compression that can be negotiated space:more use of financial institutions in terms of format, Disclaimer absolve themselves of responsibility, to pass their own risk; consumers such contracts either accept or reject, without any room for bargaining "Consumer Protection Law, " Article X:consumers have the right to a fair trading conditions, the operators the right to refuse compulsory transactions. However, the increasingly strong position of financial institutions, resulting in damage to the financial situation of emerging consumer interests, provided for this group is quite weak legal protection. For this situation, the need to integrate the existing legislative, judicial, law enforcement resources, increase of financial consumer protection.From the international trend, should enhance the protection of such groups to finance such a high degree of consumer protection.United States and other countries have started the preparation of financial consumer protection system reform and improvement.U.S. financial consumer protection regulatory reform undertaken by the various details for the introspection and reflection, this paper exposed by China’s financial regulatory issues, consumer protection for the future of financial supervision and legal arrangements Mirroring. Today, in reviewing the causes of this financial crisis, there is little consensus has formed:lack of protection for financial consumers is a major financial crisis led to one of the reasons. U.S. financial crisis highlighted a number of serious damage to the financial interests of consumers by the fact that we are aware, financial products, especially the complex nature of financial derivatives make financial consumers more weakly than the average consumer Potential need for specialized agencies and legislation to give special protection.This article is four chapters, about two million four thousand words.Chapter financial consumer protection fair trading rights theory.Section the concept of financial consumers, from the traditional consumer concept, put forward the concept of financial consumers.Section analysis of the financial consumers the right to fair trade, fair trade, respectively, from the consumer’s right to fair trading and financial rights of consumers to start, compared to the average consumer rights and fair trade fair trading rights of financial consumers are different.The second chapter draws on developed countries to finance the protection of consumer rights fair trade methods. Were introduced in Japan, the United States, the European Union and other countries and regions, laws and regulations, and summarizes the significance in China.Chapter III Right of financial consumer protection system fair trade status and problems. China has not A financial consumer protection laws, mainly scattered in the various provisions of laws and regulations, but provided no clear, non-specific, for violations of the right to financial consumer phenomenon of fair trade is not severely punished, the provisions of this chapter for China’s current summarized and evaluated.Chapter IV of the right of fair trade on financial consumer protection law perfect. Section fair deal of financial consumer protection norms perfect, made in the financial sector should be developed through statute, the progressive realization of consumer protection, and financial institutions, strict liability provisions. At the same time to promote industry standards in the construction of the financial industry. Section financial supervision and financial consumer protection, recommend specific regulators of the financial responsibilities of consumer protection regulation, financial sector supervision and protection of the rights of financial consumers; improve the regulatory norms for the behavior against the interests of consumers to take financial effective means of supervision. Section III of the Consumer Legal Action to establish a new system to facilitate financial consumer litigation. Protection of the rights of financial consumers is proposed to promote arbitration, the creation of small claims mechanism, establish a class action, in order to facilitate the financial consumers timely, convenient, economic and legal help.更多还原